1. Exam Prep
  2. New Mexico
  3. Accident & Health
  4. Health Policy Provisions

Free Health Policy Provisions Practice Questions

New Mexico Accident & Health exam — 49 practice questions.

Subtopics: Entire contract, Time limit on defenses, Proof of loss, Claim forms, Physical exam, Legal actions, Elimination period, Benefit period, Residual benefit, Waiver of premium, Misstatement of age, Recurrent disability, Probationary period, Accidental injury, Sickness defined, Disability income benefit, Medical expense benefit, AD&D, Hospital indemnity, Critical illness, Limited policies, Self-inflicted exclusion, War exclusion, Cosmetic exclusion, Workers comp overlap, Field underwriting, Sources of information, Substandard risk, Statement of good health, Long-term care expense, Prescription benefit, Accidental means test, Total disability defined, Partial disability defined, Principal sum, Capital sum, Travel accident insurance, Accident-only policy, Blanket health insurance, Franchise health insurance, Medical Information Bureau, Attending Physician Statement, Preferred risk classification, Impairment exclusion rider, Basic hospital expense coverage, Basic surgical expense coverage, Basic physicians expense coverage, Surgical schedule, First-dollar coverage

Sample questions & answers

1. The entire contract provision in a New Mexico health policy means the contract consists of:

The policy and the attached application

The entire contract is the policy together with any attached application; outside statements are not part of the contract.

2. The time limit on certain defenses (incontestability) in a New Mexico health policy generally prevents the insurer from:

Contesting the policy for misstatements after the stated period for non-fraudulent statements

After the stated period the insurer generally cannot void the policy or deny a claim for non-fraudulent misstatements in the application.

3. Under a standard New Mexico health policy the insured must generally submit written proof of loss within:

Ten years after the claim

Proof of loss must be filed within the time the policy specifies after the loss occurs; failure can affect the claim.

4. If a health insurer does not furnish claim forms within the time required after notice of claim, the New Mexico insured may:

Submit written proof of loss in any reasonable form

If claim forms are not supplied timely, the insured may submit proof of loss in any reasonable written form describing the loss.

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Practice: Health Policy Provisions

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.